Is there any way to bring down the cost of a hospital bill?

Question

I received the Explanation of Benefits from my insurance company recently and all it basically says is that it does not cover any part of my hospital bill and surgery and I'm about to be sent a bill from the hospital that cost close to $7,000. I am a full-time undergraduate college student, with no job, meaning no income, and my parents won't help me. Is there any way to reduce the hospital bill to something more reasonable?

Your input would help me so much, thank you!

Answer 1

Call and ask them. If you explain that your insurance isn't going to pick up any of the bill, they should be able to work something out with you. Even you end up paying them $20 a month forever, that will keep your account out of collections and not send your credit down the toilet. Although, you should first find out EXACTLY why your insurance isn't paying - the only valid reason is if you went out of network. If they give any other reason, appeal it first. (But call the hospital's billing department to let them know that so they don't put you in collections.)

Answer 2

Is there a way to reduce it? Yes. Will it be $100? No.

Call the billing office at the hospital, ask them to reprice it to a cash price.

But if it were me . . . I'd go back to the insurance company. WHY isn't anything being covered? Unless you have like a $10,000 deductible, or you're talking cosmetic surgery or other uncovered procedure, there should be SOME coverage. Even out of network coverage is better than nothing.

Answer 3

Hopsital bills are typically pd as a whole and not broken down charge by charge...I work for an insurance company with the claims department. As far as your bill, it depends if your policy coveres some of the daty, for instance, most policies will not cover private rooms, phone charges etc.... you have to call your insurance company and see what charges the hospital billed vs what they pd......Hosptial stays can be $0 to $500 copays per day. I have seenm policies where there is a deductible the members have to pay $500-$2,500.

The best thing I can tell you is to call your insurance.

Answer 4

the single maximum suitable ingredient in well being care costs are the Medicare repayment quotes and the quantities it quotes; all different carriers base their costs on Medicare's costs. while Medicare is going up, so does everyone else. The invoice you point out replaced right into a small band-help on a large flesh wound--it did no longer do the interest.

Answer 5

no, the hospital has a plan so u can pay a little every month but other then that, u have to pay everything.

why won't the insurance pay?
did u check be4 u had the surgery?

Answer 6

Hospitals are usually very willing to negotiate bills. It doesn't hurt to call and ask.

Answer 7

No, Sorry, There really isn't anything you can do about it. 6 months ago I spent the night in the emergency ward and was charged $11,000 for it.